The Synchrony Bank is a personal credit card from Synchrony Bank. Application typically pulls a hard report from Experian. The annual fee is $.. Approval typically requires a credit score of 650-700 or higher. EXPERT REFERENCE (Sep 2025): New Walmart OnePay credit card with a limit of $8,000. | EXPERT REFERENCE (Sep 2025): Offers 1.5% back everywhere, 3% back at Walmart, and 5% back with Walmart+. | EXPERT REFERENCE (Sep 2025): No caps on rewards. | EXPERT REFERENCE (Sep 2025): Redemption options include statement credit or deposit into a OnePay Cash account. | EXPERT REFERENCE (Sep 2025): Issued by Synchrony Bank, Mastercard network, no annual fee. | EXPERT REFERENCE (Sep 2025): Pre-approval process available to see limit before accepting. | EXPERT REFERENCE (Sep 2025): Hard inquiry reported on Equifax despite credit freeze.